Job Type: Full-Time

Exemption Type: Exempt

Wage Amount: $5,969 Monthly Minimum

Great opportunity to join A+FCU!

The primary purpose of this position is to assist the Credit Union in achieving its mission of becoming our members’ first choice as their financial services partner to make informed financial decisions. Your role to achieve this mission will be to provide outstanding service to internal members and to provide titling support service in accordance with established internal policies, procedures and all applicable Federal and State laws and regulations. Maintain a working knowledge of all services and operations of the credit union. Support a sales and service culture.

Essential Functions:

The Senior Compliance Officer- Lending (SCO) will be responsible for assisting the Director of Lending Compliance in the management of the Credit Union’s lending compliance. The SCO will assist with policies, procedures, and programs to prevent violations of consumer laws and regulations related to lending. This will include working with the appropriate internal and external stakeholders to achieve continuous improvement to and ongoing success of the compliance management system (CMS). This role is responsible for ensuring the first line of defense has effective controls in place to mitigate compliance risks associated with lending.

The role will assist the DLC in formulating policies and procedures in conjunction with the first line of defense, review and provide recommendations concerning upcoming regulatory changes, assist in monitoring and testing activities, and provide general guidance concerning lending compliance.

The SCO Lending must have strong analytical skills, be able to understand complex regulations and how they will affect the CU, and outstanding verbal and written communication skills. This position must possess a strong background in lending compliance knowledge with the ability to analyze a considerable amount of information and make sound decisions.

Miscellaneous

• Serve as team member in organizational or departmental projects.
• Schedule and conduct monthly individual dialogs with manager.
• Participate in outside credit union sponsored activities and community/education events to increase credit union awareness.
• Reconciliation of General Ledgers as needed.
• Collect and report necessary information for monthly report book.
• Perform other duties as required or assigned.

Job Requirements

Education and Experience:

• Bachelor's degree in business or a related field is preferred or equivalent experience.
• A minimum of five years of experience in compliance or risk management in the financial industry. Testing knowledge and experience a plus.
• Five years extensive knowledge of rules, regulations and best practices in the financial industry, particularly Title 12 Chapter VII Subchapter A and B, 12 USC Chapter 14: Federal Credit Unions, Regulation B (ECOA), Regulation X (RESPA), Regulation Z (TILA), Home Mortgage Disclosure Act (Regulation C), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), SAFE Act, Fair Housing Act, UDAAP and other lending laws.
• Master's degree, CUCE or CRCM is a plus.

Knowledge, Skills & Abilities:

• Excellent written and verbal communication skills, intermediate to advanced math/accounting skills and data entry skills.
• Ability to work independently and as part of a team, with flexibility to adapt to change.
• Attention to detail in order to provide accurate, relevant, and timely information to internal and external members.
• Problem-solving skills, including dealing with potential conflict.
• Analytical and organizational skills.
• Intermediate MS Office experience including Word, Excel, PowerPoint and Outlook.
• Advanced working knowledge of consumer lending products, guidelines, and general credit principles.
• Working knowledge of operational, internal and security controls applicable to a retail banking environment
• Working knowledge of state requirements for lien filings including UCC’s.
• Prior experience in a titling department

Desirable Traits:

• Professional appearance
• Pleasant speaking voice
• Good listening skills
• Demonstrated team leadership abilities
• Positive outlook
• Organizer and planner
• Able to work flexible working hours
• Dependable
• Independent worker and decision maker
• Desire to learn and grow in a leadership role
• Versatile in all aspects of the Credit Union

Physical Functions:

• Must have the ability/stamina to work at least 40 hours a week
• Will frequently reach, feel, bend, stoop, carry, finely manipulate and key in data
• Must be able to communicate heavily through telephone, e-mail and in-person communications
• Must be able to engage in problem-solving skills to help identify and solve potential issues in the field

For information about our benefits, please click the following link: https://aplusfcu.org/about-us/career-opportunities/benefits